Students and Their Personal Finances

You have just started University or College. Money has become a huge matter because the expenses have increased. You decide to get a student loan or perhaps a scholarship but financial aid can be very complicated and there are many other students just like you. When you do have money, you lost track on when and where you spent it. So here are a few helpful hints on budgeting and economizing your way to a better lifestyle.

 Before considering the idea of borrowing money, do explore all options of gift aid possible like rewards from associations or religious affiliations. These are like mini cash aids. One association might give you 100 dollars, another perhaps 50 dollars. These small amounts can add up to a big one.

 Spend some time at the beginning of the course semester; by the time you get used to your daily routines, you can plan your finances. Have a record comparing your income and expenditure. Plan on how to maximize your income and to minimize your expenditure.

 Keep a record in a book of what you spend. You might think the little expenses such as a candy bar here and a soft drink there would not hurt your pocket. But it is these small things that eat into your wallet. Scribble down every expenses. After a week/month you can then check your outgoings and keep track of your expenditures. File all your receipts, bank statements, grant and loan details for future reference. Also check your monthly bank statements because mistakes are common.

 If you have regular monthly income (like salary from work, or a student grant), do not be tempted to spend it all at once. Stretch that over a period of one month. Save the balance in your bank account.

 Take up holiday jobs or even work part time after classes and during the weekends for extra income. A job can also help to boost your career prospects when you graduate.

 When possible, use public transportation or car pool. Many colleges provide free, on-campus shuttle bus service. If the journey is not too far, why not brisk walk to your destination. You saved on transportation fees and had a great workout thrown in as a bonus.

 E-mail instead of phone calls. Not only is it cheaper, you can also reach more people at just one go. If you prefer calling, get a prepaid cell phone service, which helps you eliminate the monthly subscription fees. If you make frequent long distance calls, sign up for a medium quality international call provider instead of a high tech one because it is cheaper. Try out online messengers which provide video conferencing or phone call services. It is way cheaper.

 Try applying for an in-state college or university so you can stay at home. Eliminating extra expenses like lodging fees.

 Search for second-hand books rather than new ones. There sure will be graduates who wish to get rid of their old books.

 Try and make cash withdrawals once a week at the bank you have an account with or its branches. Also keep the receipts for the withdrawals you make. Avoid carrying the cards with you.

 Keep a simple lifestyle. Do not always spend unnecessarily and get rid of expenses that you do not need. For example a chocolate bar that cost 50 cents per day, in 10 days, you would have spent 5 dollars pacifying that sweet tooth.

 Quit bad habits such as drinking, smoking and gambling. First, such habits will slowly kill you and secondly these habits waste money.

 Be environmentally friendly. Switch off the lights when you leave the room and turn off the tap when you are done. Use both sides of a piece of paper and recycle the ones you no longer want. Recycling not only saves the earth but also helps to put some money back into your pockets.

 When you are downloading stuff over the Internet or just simply listening to music on the computer, switch off the screen. The CPU requires only 40% of the power to run; the rest is taken up by the screen.

 Invest in a coin box but not just any coin box; buy the ones without any ‘withdrawal’ holes in them. The clay figure ones are quiet cheap. Put in your spare change in them. Every cent counts.

 Fixed deposits are a great way of cashing in. If you have a minimum amount of cash required by the bank, that you can spare for a short period of time, put it in a fix deposit as the interest is higher compared to normal bank accounts. However, please check and see which bank offers a higher interest. Another good option would be to invest in a mutual fund. Check out your nearest bank for further information because each bank has a different policy and interest rate.

 Have long term goals such as buying a car and then create a fund to buy the car by putting money aside each month. In the end, even if you no longer wish to buy a car, there will be money for other things.

Adeline Ong © 2006

Las Vegas Vacation – Tips, Tricks and Cautions

These “cautions”, “tips”, and “tricks” are offered to help make your Las Vegas Vacation as enjoyable, fast and easy to plan as possible. Whether this is your first trip to “Fabulous Las Vegas” or you are a veteran, you’ll find some useful tips and tricks here.

Las Vegas Travel Tips: First and foremost, the biggest mistake many travelers to Las Vegas make in planning a trip is to book the cheapest air fare/hotel package “available anywhere”. These are offered everywhere from your hometown newspaper to television ads to especially, e-mail spam. Beware!

Why? A Cheap Las Vegas Vacation is good, we agree! BUT, did you know virtually all Las Vegas Hotels have 2- 3 levels of room quality (or options)? Now, we mean even many of the five star, “big ones” many of these are just plain substandard rooms, maybe with a nice view of the air conditioning system! (This actually happened to me personally, and was it Loud!)

Things like older bed mattresses, no safes, old decorating, long walks to the casino, restraunts, shows, or even a taxi. Did you know there are monorail trains running right behind some of the rooms? How about a roller coaster right outside your window? And lots more. Just remember “cheapest” is just that. Ask at the front desk at check-in exactly where your room is, look at it before signing in if possible.

We aren’t pushing for only high dollar rooms here, just get the best quality room your budget will allow, you will be very glad you did.

Why book your Hotel first? Las Vegas is booked up an average of 94% year round, so plan ahead (at least 30+ days is recommended) to get the exact days you want, where you want, room quality you want. Plus, usually it’s less expensive to book well in advance. Did you know that Sunday through Thursday is less expensive? When you get your selected Las Vegas Hotel booked, then you can book a flight to fit the days in and out to fit YOUR schedule.

Makes sense doesn’t it?

Once you get your Las Vegas Hotel booked first. Then you can book the Las Vegas Shows that you want, when you want. Be sure to check to see if your particular show choice isn’t “dark” on your selected days. Holidays are a good example of dark days.

Then book your Las Vegas Tour. (If you have never experienced the thrill of a Helicopter Ride at night over “Glitter Gulch and Downtown”, or a daytime trip over the Boulder Dam and Grand Canyon this is something you will never forget!) It isn’t as expensive as you might think! Check our tours links for prices and times.

This is the entertainment capital of the World, so allow yourself enough time to take in as many attractions (dozens are free) as possible, it will make your Las Vegas Vacation much more memorable. If possible, book an extra night stay just to allow for a special Las Vegas Tour or a day of Las Vegas Golf.

Las Vegas Gambling Tips:

Gambling is the lifeblood of Las Vegas. You didn’t really think those billion dollar hotels were built by “winners” did you? Set a daily budget for gambling and stick to it! You do have a good chance at winning. Hundreds if not thousands of “Hand Pay Jackpots” are paid every day. Be careful though, those chips, tokens and ticket-in/ticket-out seem too much like “play money” they are not they are your real money! Stick to your budget! Did I say that already?

Get a “players card” everywhere you go and use it, or if you are a “table player” ask the pit boss to “rank” or “rate” you. They will track your play and comp you accordingly with all kinds of free stuff. Such as meals, rooms, clothing, limos, gift shop points and even cash. These really help put the odds in your favor.

Seems like my “budget” is always too small, but try your best to set a reasonable daily goal and stick to it, don’t tap into tomorrows budget! Just maybe you’ll walk away a big winner! It happens every day. Remember the phrase: “Walk away when ahead”!

It’s not my place to preach, but here are some very useful Las Vegas tips on handling your money. All that cash in the casinos you see everywhere attracts some pretty shady characters (read Crooks!) Security is excellent, but there are always a few, and it just takes one to ruin a perfect vacation.

Las Vegas Security:

Ladies, bring or buy a small purse with a neck strap or waste pouch, or fanny pack, something that is comfortable enough to keep on your person all the time. Never ever set your purse on the floor or next to a machine, or on a stool next to you. This is a magnet for thieves! Keep that strap around your neck.

Most thieves work in pairs, one to distract you, the other to snag your purse. Just a couple types of distractions they use are: one will drop a coin or dollar bill or two near you on the floor and ask you “is that your cash on the floor?” while the other grabs your stuff, or overly talkative “players” will sit down next to you and jabber to get your attention, while their partner grabs your stuff, or hits the payout button and walks away with your ticket. Believe me. This does happen. They are very slick and fast, so just be aware.

When you do accumulate a couple winning tickets, hide them in your wallet or purse until you are ready to cash them in, and then stash the cash. Remember the “walk away” tip?

Men: It isn’t degrading to wear a waste pouch. Okay, if you just don’t want to, then fold your bills and keep them in your front pants pocket. If they “pickpocket” your wallet with all your credit cards in it at least you’ll have your cash, or vice versa, just keep them separated. And, watch those tickets.

If you do hit a good size jackpot, take the money to the safe in your room or take it to the Hotel desk for safekeeping. Or, ask for a Security escort to your room or car. They are happy to provide this service. Don’t walk around the casino or streets with a big wad of cash!

The Security at all Hotels and Casinos is excellent. With all those thousands of cameras (Eyes in the sky) every inch of the casino is being taped continuously. (Did you know that Nevada law requires casinos to have this level of security?) It is for your protection as well as the Hotel/Casino.

Now please understand, we are not trying to scare you away here, but rather just make you aware! It is real easy to get caught up in all the flashing lights, noise, overhead shows, people watching and normal distractions of a casino. Just don’t give them an opportunity to ruin your fun.

Follow these Las Vegas Travel Tips and they will make your Las Vegas Vacation a lifetime memory.

This article may be reprinted in its entirety for use, but must include this link to

http://www.lasvegas-discount.com

Casino Games – An Overview Of Sun Palace Casino

If you have not seen any place in this world where the sun shines in all its glory for all 365 days a year – then go and check out the virtual world of Sun Palace Casino. Amidst its sun sparkling platform, this website offers you thrilling gaming experiences and loads of fun.

In existence since 2002, the Sun Palace Casino is a subsidiary of the Mainstreet Vegas Group, which is a license holder in this arena and offers services out of Costa Rica. It is the same group which also runs a couple of other top online casinos, including Vegas Casino Online, Slots Plus Casino and Las Vegas USA Casino.

One of the main highlights of this website is its many bonuses and promotional offerings. Compared to other good online casinos, Sun Palace is especially known for its initial 15% bonus offer designed for those players who make payment through Neteller, Money Order, InstaDebit, or eWallet Express.

The large collection of online casino games becomes all the more exciting with the rewards promotion giveaway. Every week, the casino awards $100 free cash to ten chosen players. To check eligibility for such promotional offers, you need to get in touch with customer support. To know if you are among those lucky few, you have to skim the weekly newsletter.

In addition, this online casino has another interesting feature for its game enthusiasts which goes under the name of “Refer-a-Friend”. If you invite your friend to this casino, and he or she plays for $50 or more, you get $20 in free cash. However, there are certain terms and conditions for this incentive – so please always check the home page for the latest updates.

At Sun Palace Casino, you have the choice of opting in for a special loyalty program. It allows you to gain comp points based on the number of times you participate in the casino games from your real money account. These points are redeemable for cash. If they are significant in amount, you can expect to reach a bonus level of Platinum, Gold or Silver.

Sun Palace Casino does hide some other surprise elements too, such as a loyalty prize draw which can give an extra $50 to five potential winners each and every month.

At this online casino, you will find options to play on either a no download or a download platform. Utilizing the no download option, you can start playing within a few seconds on your internet browser. However, the choices of games and features available will be limited in comparison to downloading the casino software in full.

The download version is comparatively a lengthy process – but offers numerous choices of casino games along with all of the other features. To download the games, you will have to go through a registration process where your personal information needs to be submitted. When this process is complete, you can choose from a range of 90 games to play. Some of the most popular ones are video poker, table and card games, slots and many more. As you would expect, many of the games hold substantial progressive jackpots should you be lucky enough to strike it big!

Sports Arbitrage – How it Really Works

Sports arbitrage has been a very fun hobby of mine that became a full time income. With so much information made easily available online, someone who wants to learn about it can get really confused. Therefore, I will show you how it really works.

e-Wallets

The 3 popular ones are Money Bookers, e-Gold and Neteller. These are used to transfer money from your bank or credit card to your bookie accounts. You need to set up accounts with them. Neteller no longer allows USA citizens to get an account so if you are from USA, you can still use Money Bookers and e-Gold.

Sports Bookies

Bookies are also known as bookmakers or sports books. They allow you to place bets online with them and they function just like a casino. Some UK bookies include Bet Internet, Bet UK, Blue Square, Lad Brokes, Paddy Power. Some USA bookies include 5 Dimes, Bet Cris, Bet Ed, Bet Online, Bet Jamaica.

Alert Services

Instead of trying to find trades manually, you can make use of alert services. They usually send you alerts by email in real time. Some services can even send you alerts by mobile phone. The good services are usually not cheap, however, they usually end up paying for themselves in no time.

Arbitrage Process

Now that you have a good idea of the 3 main components of the arbitrage system, here is a quick summary of the full process.

  • Open e-wallet accounts.
  • Open bookie accounts.
  • Use alert service.
  • Get alerts on trades.
  • Go place bets online.
  • Win money.